San Diego Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in San Diego typically pay around $130.00 per month compared to the national average of $141.72 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

San Diego, CA Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in San Diego coming in around $89.68 per month. Other companies to consider if you live in San Diego is Kemper Auto Premier with an average cost of $113.19 per month and Esurance which typically runs around $123.70 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in San Diego.

How Much is Car Insurance in San Diego, CA?

Rates can vary from city to city. The residents of Anaheim typically pay $151.91 per month while people who live in Bakersfield will pay $136.13 per month on average. See what people pay for car insurance in other cities in California.

Cheap Car Insurance in San Diego by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in San Diego

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $265.63 per month in San Diego. Compare that to drivers in their 30’s who typically pay around $119.64 per month drivers in their 40s at $112.79 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in San Diego

If you are teen in San Diego you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, National General typically charges around $93.48 per month. This is likely the most affordable option in San Diego. You might also want to consider Kemper Auto Premier and Mercury Insurance Company who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in San Diego

20 year-olds in San Diego might want to consider Direct Auto who, on average, offers car insurance rates around $102.01 per month. Kemper Auto Premier , Esurance , Mercury Insurance and SAFECO are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in San Diego

If you are in your 30s in San Diego our research has found that Direct Auto typically has the most affordable coverage coming in around $86.32 per month, followed by Clearcover at $96.50 and Kemper Auto Premier at $111.66.

Cheapest Insurance for 40 Year-olds in San Diego

On average, Direct Auto offers car insurance for 40 year-olds in San Diego for around $76.89 per month. If you are looking for affordable coverage, you may also want to consider Kemper Personal Insurance or Kemper Auto Premier. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in San Diego

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In San Diego we found that Clearcover generally offers the most affordable coverage at $63.17 per month.

Cheapest Insurance for 60 Year-olds in San Diego

If you live in San Diego and you’re in your 60s, our data indicates that Esurance usually has the best rates at $102.57 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in San Diego, CA

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In San Diego, the average monthly rate for a driver who is currently insured is $127.01 while drivers who are not currently covered will pay around $134.33.

Compare Recent Car Insurance Quotes in San Diego

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In San Diego a driver of a 2020 Toyota Corolla can expect to pay around $40.61 per month while someone that owns a 2018 Kia Optima may pay around $228.93 per month. Check out the list of recent quotes in San Diego below.

FAQ's for Drivers in San Diego, CA

San Diego Auto Insurance Requirements

In San Diego, you are required to have auto liability insurance coverage.

What Is the Minimum Amount of Liability Coverage Requirement in San Diego?

• $10,000 for property damage for a single accident.
• $25,000 for bodily injury and $50,000 for death for a person involved in an accident.
• $50,000 for bodily injury and $100,000 for death for two or more people in an accident.

What Is the Blood Alcohol Concentration (BAC) Limit in San Diego?

In California and every other state, the legal blood alcohol content (BAC) level limit is 0.08%. If you have a BAC of 0.08% you are legally considered drunk or intoxicated. A high BAC could result in a DUI or a DWI. If you have a DUI on your record and are seeking lower rates, let SmartFinancial find you the right insurer.

Can I Register My Car Without Insurance in San Diego?

Your liability insurance coverage must be in effect while the registration on the car is valid, even if you do not use the car. Your insurance must be issued by a company authorized by the CAA State Department of Financial Services and certified by CA State DMV. Your insurance must also be issued in the name of the vehicle registrant and remain in that registrant’s name at all times.

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